At a Glance
- Tasks: Underwrite complex deals and lead on SME asset finance while providing critical oversight.
- Company: Award-winning UK bank that values its people and fosters a supportive culture.
- Benefits: Competitive salary, profit share, generous holiday, and hybrid working options.
- Why this job: Make a real impact with genuine authority and diverse responsibilities in a dynamic environment.
- Qualifications: Experience in multi-asset underwriting and strong commercial knowledge required.
- Other info: Join a growing team where your voice is heard and development is prioritised.
The predicted salary is between 48000 - 72000 £ per year.
A Platinum Investors in People award-winning UK bank is looking for an experienced Credit Risk Manager to join their team. This is a role with real mandate authority, multi-asset exposure, and the kind of influence that makes a difference.
You will be underwriting complex deals across SME asset finance, leasing, BTL, motor finance and property development - leading on SME asset specifically, whilst providing that critical second line oversight across the wider book. One day you are sanctioning a £2m equipment finance deal, the next you are chairing Credit Risk Reviews or working on strategic lending initiatives. It is varied, it is challenging, and it is never dull.
What makes this different: This isn’t your standard credit role where you are stuck in one lane. You will be operating across multiple asset classes with genuine mandate authority (£1m+ ideally, though they know every business structures this differently). What is exciting is the breadth - you are not just an underwriter, and you are not just second line. You are both.
You need multi-asset underwriting experience - particularly SME asset finance and leasing - combined with genuine commercial nous. Balance sheet knowledge, capital considerations, corporate structures. The stuff you understand without needing a walkthrough.
The 2nd line/QA piece is what makes this interesting. You will challenge constructively, support the business, and understand when to escalate and when to approve. You will chair committees, influence stakeholders, work autonomously, and genuinely add value.
It is the variety that makes this role stand out - you won’t be doing the same thing day in, day out.
So, if you have experience in:
- Holding and operating personal mandate authority
- Multi-asset underwriting - particularly SME asset finance and leasing
- Commercial underwriting with strong balance sheet and capital knowledge
- Second line quality assurance and risk oversight
- Working with complex corporate structures and lending entities
- Operating autonomously and influencing at a senior level
Then we want to speak with you - and so will they.
So, what’s on offer?
Package: £60k-£75k plus profit-related pay when the business does well. Up to 10% employer pension, and an annual Share Save Scheme at a discounted rate. Real financial upside.
Time off: 25-30 days holiday (increases with service) plus your birthday, Christmas Eve and New Year’s Eve. You can buy or sell up to a week too.
Flexibility: Genuinely hybrid - 2 days in office (one must be Solihull), rest from home.
But here’s what actually matters - this is a bank that genuinely invests in its people. Platinum Investors in People isn’t just a logo. They’ve built a culture where your voice gets heard, your wellbeing matters, and you’ll get proper development support. They’re ambitious, growing, and backing specialist lending with real expertise.
You won’t be a cog in a massive machine. You’ll work somewhere that values your judgement, trusts your experience, and gives you autonomy to make decisions that matter.
This is a role with genuine scope, real influence, and a business that’ll back you while you do it.
If you’ve held mandate authority, know your way around multi-asset credit, and want to work somewhere that walks the walk - let’s talk.
Credit Manager - Commercial & Asset Underwriting | £60k-£75k + Profit Share | London, W. Midlan[...] employer: Skillful
Contact Detail:
Skillful Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Manager - Commercial & Asset Underwriting | £60k-£75k + Profit Share | London, W. Midlan[...]
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who have experience in credit risk management. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your multi-asset underwriting knowledge. Be ready to discuss your experience with SME asset finance and how you've influenced stakeholders in past roles. Show them you know your stuff!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. Check out our website for roles that match your skills and aspirations. We want to help you find a place where you can truly thrive!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind. Mention something specific from your conversation to show you were engaged and are genuinely interested in the role.
We think you need these skills to ace Credit Manager - Commercial & Asset Underwriting | £60k-£75k + Profit Share | London, W. Midlan[...]
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the specific skills and experiences mentioned in the job description. Highlight your multi-asset underwriting experience and any relevant commercial knowledge to catch our eye!
Craft a Compelling Cover Letter: Use your cover letter to tell us why you're the perfect fit for this role. Share examples of how you've successfully managed complex deals and influenced stakeholders in previous positions.
Showcase Your Autonomy: We love candidates who can operate independently! In your application, mention instances where you've made significant decisions or led initiatives without needing constant oversight.
Apply Through Our Website: For the best chance of getting noticed, apply directly through our website. It helps us keep track of your application and ensures you’re considered for this exciting opportunity!
How to prepare for a job interview at Skillful
✨Know Your Multi-Asset Underwriting
Make sure you brush up on your multi-asset underwriting experience, especially in SME asset finance and leasing. Be ready to discuss specific deals you've worked on and how you approached the complexities involved.
✨Showcase Your Commercial Acumen
Prepare to demonstrate your understanding of balance sheets, capital considerations, and corporate structures. Use examples from your past roles to illustrate how your commercial nous has influenced decision-making.
✨Prepare for Quality Assurance Scenarios
Since this role involves second line quality assurance, think about situations where you've had to challenge constructively or escalate issues. Be ready to explain your thought process and how you supported the business while maintaining oversight.
✨Highlight Your Autonomy and Influence
This position requires someone who can operate autonomously and influence at a senior level. Prepare anecdotes that showcase your ability to make decisions independently and how you've successfully influenced stakeholders in previous roles.
